CN107491948B - Transfer payment method based on block chain technology - Google Patents

Transfer payment method based on block chain technology Download PDF

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CN107491948B
CN107491948B CN201710664217.6A CN201710664217A CN107491948B CN 107491948 B CN107491948 B CN 107491948B CN 201710664217 A CN201710664217 A CN 201710664217A CN 107491948 B CN107491948 B CN 107491948B
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CN107491948A (en
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杨阳
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Suzhou slow flow technology Co.,Ltd.
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification

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Abstract

The invention provides a transfer payment method based on a block chain technology, which comprises the following steps: the user submits the information of the user and the transfer party and generates a transaction request; the merchant order system submits the transaction request to any one node on the blockchain payment system, and at the moment, the node forms a receiving node; after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain; the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point; after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to a transaction system of a merchant; and finishing the whole payment process and finishing the payment. The invention is beneficial to implementing accurate, timely and more-dimensional supervision, and can solve the problem that online commercial service platforms and offline payment service providers are suspected of secondary clearing.

Description

Transfer payment method based on block chain technology
Technical Field
The invention relates to the technical field of payment transaction, in particular to a transfer payment method based on a block chain technology.
Background
Currently, with the large-scale growth of internet and mobile phone users, internet payments and mobile phone payments are rapidly developing. Meanwhile, the supervision department finds that a large merchant mode and a second clear mode are used by a plurality of platforms in the actual business process. The 'big merchant' mode refers to the condition that a plurality of merchants commonly use one merchant code, and the authenticity principle of the merchants is violated; the 'second clear' mode refers to that a payment company or a bank transfers settlement money to a certain company or a certain person, and the settlement is carried out on the settlement money to a merchant by the certain company or the certain person, so that the principle of directness of settlement is violated. The situation that funds are retained in the platform account can happen, and once the platform runs or the funds are stolen, a series of problems with extremely bad influence can be caused when the account funds reach a certain scale. Meanwhile, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be behaviors of counterfeiting and changing transactions to collect the funds of merchants and users.
The block chain has the characteristics of decentralization, openness, autonomy and information non-falsification, can be used for constructing a supervision tool box which is required by a supervision department and comprises a plurality of means, is beneficial to implementing accurate, timely and more-dimensional supervision, solves the problem that online commercial service platforms and offline payment service providers are suspected to be clear, and is more common in transfer payment, so that the transfer payment method based on the block chain technology is produced.
At present, in the payment method based on the block chain technology, an independent foreknowledge system is not used for monitoring the transaction or payment request on the block chain, or the independent foreknowledge system is connected with a payment channel, and the payment data is verified and transmitted through the foreknowledge system, so that the transfer payment method based on the block chain technology is firstly proposed in the payment field.
Disclosure of Invention
The invention aims to provide a transfer payment method based on a block chain technology, which can effectively avoid the risk defect in the existing order system. By utilizing the characteristic of the block chain distributed account book, a monitoring mechanism can monitor all transactions in the system in real time, and the problems of secondary clearing and the like are avoided.
In order to achieve the purpose, the invention adopts the following technical scheme:
a method for payment transfer based on blockchain technology, comprising:
s1, user order submission: the information of the user and the transfer party generates a payment request;
s2, submitting a payment request by the merchant system: the merchant order system submits the payment request to any one node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
and S6, ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, the step of monitoring and paying (S4) is specifically:
s4.1, monitoring a payment request on a block chain of a node matched with the payment request by a first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, and entering the step S4.2, if the verification is failed, discarding the payment request, and ending the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to the precedent system, the precedent system verifies the successful payment, and if the successful verification is achieved, the payment result is written into the matched block chain link point; and if the verification fails, discarding the payment result and not recording.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, directly discarding the payment result;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, directly discarding the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm; and S5.4, returning the payment result on the block chain to the merchant order system by the node which receives the request at the earliest.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, in step S4.3, after receiving the payment result, the block chain link point matched with the pre-known system also verifies the payment result, sends the verification result to other nodes of the block chain after the verification is successful, and simultaneously stores the payment result in the transaction pool of the node; if the verification fails, directly discarding the payment result; after receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded.
Further, the payment data which fails to be verified is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
In addition, in the invention, after other nodes of the block chain receive the broadcast, the node discards the payment data, which means that only the node with the verification failure discards the payment data, but not all the nodes discard the payment data, and the payment data also exists in a certain node or certain nodes of the block chain.
Drawings
FIG. 1 is an interaction diagram of a payment method constructed by the present invention
FIG. 2 is a flow chart of embodiment 3 of the payment method constructed by the present invention
FIG. 3 is a flow chart of embodiment 2 of the payment method constructed by the present invention
Detailed Description
The payment transfer method based on the blockchain technology according to the present invention will be further explained and explained with reference to the drawings and the specific embodiments.
Example 1
The transfer payment has the following specific transaction flow:
the user submits an order: the information of the user and the transfer party generates a payment request;
the merchant system submits a payment request: the merchant order system submits the payment request to any node on the blockchain payment system;
the block chain broadcasts payment requests and blocks: the node receives a request of a merchant, verifies the request of the merchant, sends the request to other nodes of the block chain after the request is successfully verified, and simultaneously stores a payment request into a transaction pool of the node; if the verification fails, the payment request is discarded directly. After receiving the broadcasted payment request, other nodes respectively carry out verification, if the verification is successful and the payment request is received for the first time, broadcast the payment request and store the payment request into a transaction pool of the nodes; otherwise, the payment request is discarded directly. After a certain time, the payment request is packaged onto the blockchain according to consensus rules.
The first known system listens for a payment request: the first-known system monitors the payment request on the block chain of the matched node and verifies the transaction;
the precursor system sends a payment request: after the verification is successful, the pre-known system sends the payment request to a payment channel;
and returning a payment result by the payment channel: the payment channel processes the payment request and returns a payment result to the precedent system;
the precursor system returns a payment result: after the first-known system receives the payment result, the payment result is sent to the node matched with the payment result;
the block chain broadcasts the payment result and blocks: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, the payment result is directly discarded. After receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded. After a certain time, the payment result is packed to a block chain according to a consensus regulation;
the block chain returns a payment result: the node which receives the request earliest returns the payment result on the block chain to the merchant order system;
the merchant displays the payment result: after the order system of the merchant receives the payment result, the payment result is displayed to the user;
example 2
A method for payment transfer based on blockchain technology, comprising:
s1, user order submission: the information of the user and the transfer party generates a payment request;
s2, submitting a payment request by the merchant system: the merchant order system submits the payment request to any one node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
and S6, completing the whole payment process and ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, the step of monitoring and paying (S4) is specifically:
s4.1, monitoring a payment request on a block chain of a node matched with the payment request by a first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, and entering the step S4.2, if the verification is failed, discarding the payment request, and ending the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to the precedent system, the precedent system verifies the successful payment, and if the successful verification is achieved, the payment result is written into the matched block chain link point; and if the verification fails, discarding the payment result and not recording.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, directly discarding the payment result;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, directly discarding the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm; and S5.4, returning the payment result on the block chain to the merchant order system by the node which receives the request at the earliest.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, the payment data which fails to be verified is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
Example 3
A method of payment transfer based on blockchain technology, comprising only:
s1, user order submission: the information of the user and the transfer party generates a payment request;
s2, submitting a payment request by the merchant system: the merchant order system submits the payment request to any one node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
and S6, completing the whole payment process and ending the payment.
In addition, in the invention, after other nodes of the block chain receive the broadcast, the node discards the payment data, which means that only the node with the verification failure discards the payment data, but not all the nodes discard the payment data, and the payment data also exists in a certain node or certain nodes of the block chain.
According to the transaction flow and blockchain features of the present invention, all nodes will have a complete non-tampered book. Therefore, the supervising mechanism can supervise all transactions through the account book of the node, and risk transactions are prevented from occurring.
The present invention is not limited to the above-described embodiments, and variations, modifications, additions and substitutions which can be made by those skilled in the art within the spirit of the invention are also within the scope of the invention.

Claims (7)

1. A transfer payment method based on a block chain technology is characterized by comprising the following steps:
s1, user order submission: generating a payment request according to the information of the user and the transfer party;
s2, submitting a payment request by the merchant system: the merchant system submits the payment request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the first known system monitors the payment request on the matched block chain link point and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to a merchant system;
and S6, ending the payment.
2. The method according to claim 1, wherein the block chain processing step S3 specifically is:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of a block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the receiving node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request, and entering step S6 to finish the payment;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the current verification node, otherwise, the current verification node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
3. The method according to claim 1 or 2, wherein the step of listening and paying S4 specifically is:
s4.1, monitoring the payment request on the matched block chain link point by the first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, entering the step S4.2, if the verification is failed, discarding the payment request, and entering the step S6 to finish the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to a priori knowledge system, the priori knowledge system verifies the successful payment, and if the successful verification is achieved, the payment result is written into the matched block chain link point; if the verification fails, the payment result is discarded without recording, and the process proceeds to step S6.
4. The method according to claim 1, wherein the payment result processing step S5 is specifically:
s5.1, the block chain nodes matched with the priori knowledge system receive payment results written by the priori knowledge system, verify the payment results, if the verification is successful, send the payment results to other nodes of the block chain, simultaneously store the payment results into a transaction pool of the block chain nodes matched with the priori knowledge system, and enter S5.2; if the verification fails, directly discarding the payment result, and entering step S6;
s5.2, after receiving the broadcasted payment result, other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the current verification node; otherwise, the current verification node directly discards the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, returning the payment result on the block chain to the merchant system by the node which receives the request at the earliest.
5. The method of claim 4, wherein the payment result processing step S5 further comprises: and S5.5, displaying the payment result after the merchant system receives the payment result.
6. The method of claim 1, wherein the payment data that fails validation is processed by an error checking and processing system connected to the blockchain, wherein the payment data includes data of payment request, payment result and settlement result.
7. The method according to claim 1, wherein the merchant system is in particular a merchant owned order system.
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